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Greetings, fellow credit gardeners! The new month has begun so, I hereby convene the June meeting of the myFICO Garden Club.
For those who are new to the concept of gardening, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade.
So, if you're at the stage of your credit journey where you're ready to enter the garden, please come and join us. You may pick up your complimentary watering can and garden gloves by the front door -- you can even choose your favorite color! We're proud to offer a well appointed clubhouse. As always, there is a snack table set up. Summer is upon us, so we're going to fire up the grill -- burgers, hot dogs, and kebobs are available for your dining pleasure! There's iced tea, lemonade and sodas, and if you like, a variety of ice cold beers. And as always, we have a selection of mini-quiches, as Relevate really likes them (we aim to please!). Once again, please feel free to bring and add anything that you'd like to add to the festivities. And, in the corner diagonally across from the front door, there is a fully stocked bar, along with a wide selection of soft drinks. If needed, there are some anti-itch medications stocked in our supply cabinet near the door -- Lanacaine, Benedryl, etc. If you need to place your reports in the deep freeze, we also have a freezer, located next to the bar, so go ahead and throw your reports in!
Our newest feature is a Friday night social. This will be hosted by myjourney, who has done such a wonderful job with managing the buffet and bar. He will present a mouthwatering dinner menu (with graphics!) and announce a discussion topic. Everyone is welcome to hang out and either discuss the topic or anything else that comes to mind. Feel free to let kick up your heels for the evening! The goal of the Friday night social is to enjoy getting to know each other and share in some fun.
Come on in and make yourself comfortable. Make a gardening plan and commit to sticking with it! Are you planning to wait six months before applying for additional credit? A year? Until the last of your baddies drop off? Whatever your goal, we're here to support you. If you feel the "app-itch" coming on, let us know and we'll try to help you through it.
Now, if you happen to leave the garden prematurely, that’s your decision and we respect that. You are always welcome to come back, pick up your gardening tools and start over again. But please, celebrate any approvals on another thread. While we are happy with members’ success stories, we really do want to keep this thread’s focus and tone to be consistent with gardening efforts. You are certainly welcome to celebrate soft CLIs on this thread, though, as they do not involve inqs or apps for new credit.
GARDEN CLUB CHALLENGE AND RECOGNITIONS:
Garden Club Challenge: Pick a firm date for staying in the garden and post it in your siggy!
Garden Club recognition levels: To qualify, your reports must contain:
No new tradelines of any type on one's accounts (this includes backdated Amex accounts, as they are STILL new "seedlings").
No HPs for anything that would allow for the possibility of a new tradeline being issued or increasing the CL of an existing tradeline.
You will be able to add the following to your siggy if you have abided by the above for the following time periods...
Less than 1 month - seedling
1 month - bronze spade
3 months - silver spade
6 months - gold spade
12 months - platinum spade
24 months or more - diamond spade
Please note: recognition levels reset once you add an account or incur a HP. We recognize that there may be very good reasons for "leaving the garden," and we respect whatever thoughtful decisions members make. As stated previously, members are always welcome to come back, grab their gloves and start gardening once more.
To ensure that your graphic comes out properly on your siggy, please be certain that it has been added as the very first line of code.
Seedling:
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC/" border="0" width="50" height="67" align="right">
Bronze:
<img src="http://i.imgur.com/LEYWe.png" border="0" width="40" height="40" align="right">
SIlver:
<img src="http://i.imgur.com/Gfc4B.png" border="0" width="40" height="40" align="right">
Gold:
<img src="http://i.imgur.com/24xvV.png" border="0" width="40" height="40" align="right">
Platinum:
<img src="http://i.imgur.com/vVRv5.png" border="0" alt="" title="" width="120" height="80" align="right" />
Diamond:
<img src="http://i.imgur.com/40nIa.png" border="0" alt="" title="" width="40" height="40" align="right" />
So, please feel free to come on in and share your gardening progress. If you're new or returning, what are your goals? If you've been here for a while, how are things going? Let's all mingle, and support each other in our respective gardening efforts!
June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!
Ooh - do I get to be the first to post on the June GC?
What a great way to end the May GC with a rowdy Friday night social. I'm sure the June GC will even be more lively! I definitely want to stay in the garden for another couple of months at least. Yay for June!
@tinuviel wrote:June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!
Awesome!
@tinuviel wrote:June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!
Wow that's very inspiring. I definitely want to get my scores over at least 740 before I start doing any app sprees. It sounds like I'm just going to have sit my behind in the GC for the summer! Congrats on your scores!
Scores are slowly starting to come back up as my new accounts age accordingly D
AMEX Charge here I come.
@parakleet wrote:
@tinuviel wrote:June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!
Wow that's very inspiring. I definitely want to get my scores over at least 740 before I start doing any app sprees. It sounds like I'm just going to have sit my behind in the GC for the summer! Congrats on your scores!
The funny thing is, it feels like you're doing nothing, but once you see your scores start to go up you begin to realize that gardening really is an active part of growing your scores. Part of the scoring formula includes the category of "New Credit," and if you just sit back and tend to what you have it will increase that part of the equation. Stay on your path, and your scores will get there!
Only 19 days away from Silver spade!!!
A lot of success for all people in the garden this month. Lets keep working towards our goals.
I've come to the conclusion that I will *never* be in the garden LOL
@tinuviel wrote:June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!
Congrats tinuviel
Very nice